Yeah, it bothers me when young, naive people on the internet don’t get this. Homelessness is often a lot more than just not having enough money. Often (but not always), it involves deep psychological issues. One of the reasons why the homeless issue is difficult to solve is because you can’t just throw money at them or even just give them a house and expect for everything to be fixed. They need psychological help, and often help with addiction, in addition to the money. I feel for these people, but it is absolutely not the simple issue people like to make it out to be.
Personally, I don’t even answer the door for strangers unless I’m expecting someone.